Manage Money

Shared Branching

Del Norte Credit Union is part of the Co-Op Shared Branching Network. With shared branching, you are never far from being able to transact your financial business. Whether you are across town, across the state, or on vacation around the country, access to your credit union is convenient, safe, and easy.

That means our members can use another shared branching credit union (lobby service only) to make deposits, make withdrawals, loan payments, and more—available at over 6,800 credit unions nationwide—and 49 locations in New Mexico. Simply go online or call 888-SITE-CO-OP to find the shared branch that's closest to you!

Second, certain funds are immediately available while others will have a slight delay. The immediately available indicators are: cash deposits, state or local government checks from New Mexico, U.S. Treasury checks, Federal Reserve or Federal Home Loan bank checks, U.S. Postal Money Orders, payroll checks up to $2,500.

The following local indicators will have $200 of the funds available immediately, $200 the next business day, up to $4,800 the third business day, and the remainder the seventh business day. The list includes: state or local government checks from other states; official checks, cashier’s checks; teller checks; bank checks; money orders (non U.S. Postal); traveler’s checks; payroll checks over $2,500; business and personal checks.

Fees in the process:
A good rule of thumb is that you will receive “free” services on the following: deposits, payments, transfers, withdrawals, and history print outs. Expect fees for notary services and coin counting.

The following transactions are not available: foreign checks, cashier's checks, third party checks, returned checks, collections items, altered checks, or insurance drafts.